Saving money in a savings account is like putting money in a pocket with holes. Banks only give you interests that are lower than the inflation rate. It‘s how they make money. You are better off investing in ventures that give a return higher than the inflation rate (Crypto currency) then, if you wait for the perfect time to succeed in life, you are making a big mistake. The perfect time for success doesn’t exist. It is up to you to take any time you have and make it perfect. Time does not make the difference. You are the one that makes the difference. Do the right thing at the right time now.